Mortgages Made Simple for Employed Professionals
Whether you’re a salaried employee, part of a corporate firm, or new to the workforce ,we help you secure the right mortgage quickly and confidently.
Say Goodbye to Mortgage Hassles – We Handle It All
Knowing how much you can borrow is one of the most important steps toward owning your dream home. Our mortgage calculator is specifically designed for employed professionals ,helping you understand how your salary, bonuses, and regular income translate into borrowing power.
To get started, you’ll typically need:
- Recent payslips (usually last 3 months)
- Your latest P60 or employment contract
- Bank statements showing your salary credits
Our calculator is fast, accurate, and tailored to your employment structure. Whether you’re on a fixed salary, receive bonuses, or work on a performance-based package, you can easily estimate your borrowing potential.
Once you’ve got your result, connect with our mortgage specialists. We’ll help you find the most competitive rates and mortgage products that suit your financial goals ,making the process smooth, transparent, and stress-free.
Start your journey to homeownership today with a mortgage solution made for you.
We work with more than 120 mortgage lenders, including:
Why Choose CMS for Your Mortgage as an Employed Professional?
At Contractor Mortgage Solutions, we specialise in helping employed professionals secure the best mortgage deals with speed, clarity, and care.
Smart Insurance for Employed Professionals, Stay Protected, Stay Confident
At Contractor Mortgage Solutions, we help employed professionals find protection plans that secure their income, family, and future ,so you’re covered no matter what life brings.
Income Protection Insurance
If illness or redundancy stops you from working, could you still manage your mortgage? Our income protection solutions safeguard your earnings, ensuring stability and peace of mind.
Relevant Life Cover for Employed Professionals
Provide financial protection for your loved ones with relevant life cover tailored to employed individuals. It’s an efficient and tax-advantaged way to ensure your family remains supported.
Critical Illness Insurance
If you’re diagnosed with a serious condition, this cover provides a tax-free lump sum to ease financial strain and support your recovery.
FAQ’s
Can I get a mortgage if I’ve just started a new job?
Yes. Some lenders accept applications from professionals who are still in their probation period, provided you can show a signed employment contract and stable career history.
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Will lenders consider my bonuses or overtime?
Absolutely. If you receive regular bonuses, overtime, or commission, we’ll help present this income properly so lenders can include it in your affordability calculation.
How long do I need to be employed before applying for a mortgage?
Most lenders prefer at least 3 months of employment, but some will accept shorter periods if your previous role was in a similar field or if you’re on a permanent contract.
Can I apply for a joint mortgage with my partner?
Yes. Combining incomes often increases borrowing potential. We’ll help assess both applicants’ affordability to find the best joint mortgage deal.
How much deposit do I need as an employed professional?
Typically, at least 5–10% of the property value is required. A larger deposit may give you access to better interest rates and more flexible options.
What documents do I need to apply?
You’ll need recent payslips, a P60, and bank statements showing your salary deposits. Some lenders may also request your employment contract for confirmation.